Procedure to convert joint account to single account when the second depositor expires in DOP Finacle

• Generally in DOP a joint account will have two depositors i.e., either it can be of joint A or Joint B type account. 
• In order to know the mode of operation for any type of account users can check in HACCDET or modification after verification menu in DOP Finacle application.
• We can convert the joint account to single account and vice versa depending on the requirement of the customer.
• Business Scenario :- 
• For example if the second depositor expired in a joint account then we have to follow the below mentioned procedure.
• Note that for any conversion we have to take the revised AOF(account opening) form along with the requirement documents from the customer before proceeding for conversion of joint account to single in DOP Finacle application.

Step by step Procedure to convert joint account to single account when the second depositor expires :-

In order to convert the joint account to single account when the second depositor expires we have to follow below mentioned steps they are :- 

Step 1 :- Change the mode of operation to single using modification after verification menu 

First note down the CIF ids of both the customers for the joint account using the inquire option by using the modification after verification menu for the respective scheme.

• menu for modification after verification for SB accounts is CASBAM
• menu for modification after verification for RD accounts is CRDACM
• menu for modification after verification for MIS accounts is CMISAM
• menu for modification after verification for TD accounts is CMISAM
• menu for modification after verification for SCSS accounts is CSCAM
• menu for modification after verification for NSC/KVP accounts is CSCACM

After noting the CIF ids of both the customers in the counter PA login invoke the menu modification after verification menu then the system will show below

• Then in the next step select the function as modify and enter the account number as shown

• Click on Go and then in the next screen change the mode of operation to 012 and delete the related party 2 details as shown in the below figures

• Finally click on submit and verify the same in the supervisor login.

Step 2 :- Change the status of Second depositor CIF to Deceased

• In the counter PA login invoke the menu CMRC, make the second depositor status to Deceased, enter the date of death and finally submit the transaction.
• The same should be verified in the supervisor after that check the status of the account then the account should be of single account.